Construction Business Loans in San Jose
Capital that matches construction cash flow, between draw schedules and progress billings.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
How San Jose construction operators get funded
Construction businesses in San Jose have the lumpiest cash flow in commerce. Payroll runs weekly; invoices and progress draws run monthly or quarterly. We finance the gap through AR lines, working capital, equipment financing for heavy equipment, and SBA for fleet, real estate, or acquisition.
Construction has been California's third largest private employer through the 2020s, driven by single family housing, multifamily, data center construction in the Silicon Slopes corridor, and continued commercial development downtown.
Common capital uses
Excavators, dump trucks, loaders, attachments, 100% financing typical.
Working capital or AR line to cover payroll between draws.
Working capital to satisfy bonding company net worth and liquidity requirements.
SBA 504 to buy your own equipment yard.
Qualification requirements
- Active state contractor license
- Clean job history
- Insurance and workers' comp in place
- For AR lines: $1M+ in annual revenue
Real San Jose examples
A West Valley grading contractor finances a $185K Cat 320 over 60 months.
A San Jose commercial contractor uses a $1.5M AR line to bridge progress billings on a major data center build.
A South San Jose contractor buys its equipment yard with SBA 504 at 10% down.
